STATE BANK OF COUNTRYSIDE
USER TERMS AND AGREEMENT for
SBC INTERNET BANKING and SBC BILLPAY

This SBC Internet Banking agreement (“Agreement”) governs your use of online banking and bill payment services via the internet with State Bank of Countryside. By applying for and using SBC Internet Banking, you agree to be bound by this Agreement and accept its terms and conditions and any amendments. All SBC Internet Banking transactions are also subject to applicable laws, regulations, rules, the State Bank of Countryside Agreement and Rules Brochure and other disclosures covering your accounts at State Bank of Countryside.

DEFINITIONS - SBC Internet Banking refers to State Bank of Countryside’s Internet accessed online banking and bill payment services and may be referred to as the “Services”. The terms “we”, “us” and “Bank” refer to State Bank of Countryside and the term “you” refers to the Services User, whether singular or plural, who applied for use of the Services for designated accounts and was approved by the Bank. “Account” and “Accounts” refer to your State Bank of Countryside accounts that you designated, and we approved for the Services use.

ELIGIBILITY - To use the Services, you must have an eligible State Bank of Countryside account. Only those Accounts designated by you and approved by us may be accessed through the Services. We reserve the right to restrict use of the Services for one or more types of Accounts or transactions and to impose other limits or restrictions on use of the Services. You can only access Accounts on which you are an owner. You cannot use the Services to make transactions from accounts where more than one signature is required for withdrawal. Because SBC Internet Banking can recognize only one Login ID and password for each transaction, any one authorized user can effect a transaction, even if the Account ordinarily requires two signatures for a paper check. We will not be liable for transactions effected by a single authorized user with respect to such an Account.

PASSWORD AND SECURITY - You will choose your own User ID and password that you must use to access your Accounts through the Services. You agree that use of your User ID and password constitutes your authorization for all transactions made using your User ID and password, including all pre-authorized electronic fund transfers, and has the same effect as your written signature. You agree not to give or make your User ID and password available to any unauthorized individuals. If you believe that your User ID or password is lost or stolen, or that someone may attempt to use the Services without your consent or has transferred money without your permission, you must notify the Bank at once by calling 708-485-3100. A message can be left after our normal business hours and will be considered received upon retrieval the next business day.

AVAILABLE SERVICES - You may use the Services to access your Accounts for online banking and bill payment services via the internet. The Services are normally available 24 hours a day, 7 days a week. However, the Services may not be available from time to time for system maintenance.

PROCESSING TIMES - Immediate transfers will be completed at the same time the Bank receives your request. Future dated and recurring transfers will be completed by 5:00 a.m. (Central Time) on the date they are scheduled to be made. If a recurring transfer is scheduled to be made on a date that does not occur in a given month, e.g. the 29th, 30th, or 31st it will be made on the last day of the month.

TRANSFER PROCESSING - Scheduled transfers will only be made if there are sufficient available funds in your Account at the time the transfer is scheduled to be made. The amount of each transfer will be debited from your Account at the time that the transfer is made.

BILL PAYMENT SERVICE - You can apply for SBC Billpay through SBC Internet Banking. Only those users approved will be able to use the bill payment Services. This approval process generally will take no longer than seven business days. You can use the Services to schedule a bill payment to a business or individual (“Payee”) in the United States. Payments can be scheduled on a one-time or recurring basis. Recurring payments are those made for the same dollar amount on the same date each month.

Recurring payments cannot be scheduled more than 365 days in advance unless the first scheduled payment is due within 365 days from the date it was originally scheduled. Bill payments can only be made from a checking Account or NOW Account. If you use more than one checking Account or NOW Account to make bill payments, you must designate the Account from which the payment is to be made (“Payment Account”) each time you schedule a payment.

By providing State Bank of Countryside with the names and account information of Payees, you authorize us to follow the payment instructions that we receive from you through the Services and to rely on the accuracy of all of the information that you provide to us. It is your responsibility to update the Payee and payment information if there are any changes. It remains at our discretion to determine the appropriate method for processing payments to Payees; we may choose to make payments electronically or by check.

You cannot make government payments, including court directed payments, through the Services. At our discretion, we may refuse to pay any Payee and refuse to make payments that we believe are fraudulent or erroneous. We will notify you promptly if we refuse to make a payment to a Payee (except if you attempt to make a government payment or pay Payees outside of the United States).

The business day that you select to have your bill payment made (“Scheduled Payment Date”) must be no less than the number of business days required by the Services for that type of payment before the actual due date, not the late date and/or a date in the grace period. While it is anticipated that most transactions will be processed and completed on the next business day after the Scheduled Payment Date, it is understood that due to circumstances beyond the control of the Services, particularly delays in handling and posting payments by slow responding Payees or financial institutions, some transactions may take a day or even a few days longer to be credited by your Payee to your Payee account. We are not liable for any late payments where you do not allow for sufficient processing time. See the Our Liability section of this Agreement.

You must have sufficient available funds in your Payments Account on the Scheduled Payment Date for the Bank to complete your payment .

All bill payments scheduled to be made on a Saturday, Sunday or federal holiday will be made on the next business day. If a recurring bill payment is scheduled to be paid on a date that does not occur in a given month, e.g. the 29th, 30th or 31st, it will be paid on the next business day. Bill payment requests received after 8:00 p.m. (Central Time) on a business day or anytime on a non-business day will be processed on the next business day.

LIMITATIONS ON TRANSFERS AND PAYMENTS - The maximum dollar amount of any transfer is $50,000.00. The maximum dollar amount of any bill payment is $9,999.99. For security reasons, we may impose additional limits on the dollar amount of bill payments or transfers from your Account.

LIMITATIONS ON THE FREQUENCY OF TRANSACTIONS ON MONEY MARKET AND SAVINGS ACCOUNTS - In accordance with Federal Regulations, no more than six pre-authorized, automatic or telephone transfers or withdrawals (including online banking) are permitted from a money market or savings account in a statement cycle. Three of these six transfers or withdrawals may be made by check, draft, or POS withdrawal (to the extent that these services are available on an Account). A charge may be assessed for each transfer or withdrawal that exceeds these restrictions in accordance with our Account disclosures. We may change your account to a demand deposit account if you continue to exceed these limitations.

STOPPING, MODIFYING OR CANCELING PAYMENTS AND TRANSFERS -
Payments:
You may cancel or edit any payment (including recurring payments) prior to 8:00 p.m. (Central Time) of the Scheduled Payment Date by following the directions within the Services. You cannot use the Services to cancel or edit any payment on the Scheduled Payment Date after 8:00 p.m. (Central Time). If you need assistance with canceling or stopping any payment prior to midnight on the business day before the Scheduled Payment Date, you may call SBC Internet Banking Customer Service at 888-249-7564 during the hours stated in the Customer Service section of this agreement.

Transfers:
You may modify or delete future dated or recurring transfer requests made using the Services prior to 5:00 a.m. (Central Time) on the date the transfer is scheduled to be made. Immediate transfers cannot be cancelled after the transfer request is received by the Bank.

FEES AND CHARGES - There is no charge for the use of SBC Internet Banking as long as the Services are active. There is a monthly fee for SBC bill payment services. Should you not logon to SBC Internet Banking for a 90 day period, a monthly inactivity fee will be charged to your account until you re-activate or cancel the Services.

All fees and charges for the Services will be automatically deducted from your designated checking Account or NOW Account. Fees and charges applicable to Services can be found in the SBC Internet Banking and SBC Billpay Service Fee Schedule. If you close this Account, you must notify us immediately and designate a new Account from which the fees and charges for the Services will be automatically deducted.

If there are not sufficient funds in your Account to cover these fees and charges, we may charge or off set these fees and charges against all of the funds in any Account in which you have an interest. Please see your Account disclosures for other charges that may apply to your accounts.

You agree to pay all fees and charges related to the Services and your Accounts as set forth in this Agreement, our Agreement and Rules Brochure and the Account disclosures, and any expenses, costs and fees relating to any transaction using the Services or enforcement of this Agreement. This includes reasonable attorney’s fees and legal expenses, subject to limitations imposed by Federal and State laws and regulations.

USE OF THE SERVICES - As a condition of using the Services, you agree that you will:

 

YOUR LIABILITY
IN GENERAL - You authorize us to credit or charge your Accounts for all transfers and payments initiated through the Services with your User ID and password. You are liable for all of these transactions and for all unauthorized transactions to the extent permitted by applicable state and federal law.

FOR UNAUTHORIZED TRANSFERS - If you believe that your User ID or password has been lost or stolen, or that someone transferred or may transfer funds from your Account without your permission, please call us immediately at 708-485-3100. A message can be left after our normal business hours and will be considered received upon retrieval the next business day.

If you tell us within two business days after you discover your User ID or password has been lost or stolen, you can lose no more than $50 if someone uses your User ID or password without your permission. If you do not tell us within two business days after you learn of the loss or theft of your User ID or password, and we can prove that we could have stopped someone from using your User ID or password without your permission if you had told us, you could lose as much as $500. If your monthly statement contains transfers that you did not make, tell us at once as directed in the Errors and Questions section of this Agreement. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money had you told us within this time frame.

OUR LIABILITY
We will use our best efforts to make all your transfers and payments properly. If you follow the terms and conditions described in this Agreement and other instructions provided to you, and we fail to process a payment on the Scheduled Payment Date, we will bear responsibility for the late charges that you incur up to a maximum of $200.00. We will not be liable for any payment, including any late charges or penalties, if you do not comply with the terms and conditions of this Agreement and other instructions provided to you, including but not limited to, your failure to schedule a payment without allowing sufficient time for the payment to be processed.

Additionally, we have no obligation to make payments or transfers and shall incur no liability or obligation for late charges or penalties if we are unable to complete any payments that you initiate through the Services due to any one or more of the following circumstances:

Provided none of the circumstances stated above are applicable, if we cause an incorrect amount of funds to be removed from your Account or cause funds from your Account to be directed to a person or entity that does not comply with your payment instructions and our action was not intentional and resulted from a bona fide error, we shall be responsible for returning the improperly transferred funds to your Account or for directing any previously misdirected payments or transfers to the proper recipient. There is no representation that the Services will be uninterrupted or error-free.

Our sole obligation to you arising out of non-availability, interruption, or delay in providing the Services, shall be to use commercially reasonable efforts to resume the Services.

THE PROVISIONS CONTAINED IN THE PRECEDING PARAGRAPHS CONSTITUTE OUR ENTIRE LIABILITY TO YOU AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL WE, OR ANY OF OUR AGENTS OR SUBCONTRACTORS, BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF WE ARE ADVISED OF THE POSSIBILITY) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE OR MAINTENANCE OF SOFTWARE, EQUIPMENT, AND/OR THE SERVICES. THE BANK IS NOT LIABLE FOR ANY DAMAGES OR LOSS THAT MAY BE CAUSED TO ANY EQUIPMENT AND OTHER SOFTWARE DUE TO ANY VIRUSES, DEFECTS OR MALFUNCTIONS.

EXCLUSION OF WARRANTIES
THE SERVICES AND RELATED DOCUMENTATION ARE PROVIDED “AS IS” WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

CUSTOMER SERVICE - Please call the Support Center with your questions or if you need assistance in using the Services, 24 hours a day, 7 days a week (excluding Christmas Day, New Year’s Day, Easter Sunday, Memorial Day, Independence Day, Labor Day and Thanksgiving Day when the Support Center will close as of 11:00 p.m. Central Time the day before the holiday and reopen on 11:00 p.m. Central Time on the day of the holiday) at 888-249-7564.

ERRORS AND QUESTIONS - In case of errors or questions about your online banking and bill payment transactions, you should:

as soon as you can if you think that your bank statement is wrong or you need more information about a transfer or bill payment listed on the statement. We must hear from you no later than 60 days after we send the first statement on which the problem or error appeared.
You must:

If you tell us orally, we may require that you send your complaint to us in writing within 10 business days.

We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we do decide to do this, we will credit your Account within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete the investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your account.

If we decide there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

RETURN ITEMS AND OVERDRAFTS - At our discretion, we may return or not complete an electronic bill payment or transfer for any of the reasons stated in this Agreement, including where there are not sufficient available funds in your account to cover the transaction. We will send you notification of any payment or transfer that we do not complete.

If you make a payment or transfer that is returned, or that is paid on an overdrawn Account, you will incur our standard overdraft fees as stated in your Account disclosure. Additionally, you agree to reimburse us immediately upon demand for the amount of the payment or transfer and any related fees or charges.

STATEMENTS AND RECORDS - You can use the Services to request or print a statement of transactions from your Account. These statements are not considered official records of the Bank. You will continue to receive your regular monthly bank statements for all checking, NOW, and money market Accounts. A monthly bank statement will be issued for statement savings Accounts with electronic fund transactions in a particular month. Regular statement savings account statements will be issued at least quarterly.

Your use of the Services, conversations with Bank personnel, and email messages may be monitored or recorded in order to help us provide you with better service. You consent to this as a condition of using the Services.

MODIFICATIONS OF ACCOUNTS AND SERVICES - If you use the Services to modify any Accounts, services or information pertaining to your Accounts and services, you authorize us to accept your electronic request as though it was made in writing and signed by you.

NOTICES AND EMAIL - You may use the Services to send us email messages. We may also send messages and notices to you via the Services. All confidential information should be sent to us using the Bank Mail screens in the Services only. All information that you provide to us using the Bank Mail screens is encrypted for your security and privacy. We recommend that you do not send any confidential information to us using any other email service.

We recommend and strongly encourage that you do not send any confidential information to us using any other email service. Email messages to us are not considered received by us until they are opened by our representatives. However, if you must contact us immediately, such as if you suspect unauthorized use of your Account, you should contact us at the telephone number listed in the Errors and Questions section of this Agreement to ensure that your inquiry receives prompt attention.

INFORMATION AUTHORIZATION - You authorize us to obtain credit information about you at any time. You also agree that we may obtain additional information from a Payee or financial institution regarding your accounts to resolve payment problems.

TERMINATION OR DISCONTINUATION - If you wish to discontinue use of the Services, you must send us a signed written request by United States mail at the address listed in the Errors and Question section of this Agreement at least 10 days prior to termination. If you discontinue the Services, it is your obligation to cancel all outstanding scheduled payments and transfers.

We may suspend or terminate your use of the Services at any time without notice. Neither termination nor discontinuation shall affect your liability or obligations under this Agreement.

CHANGE IN TERMS - We may modify this Agreement, including any applicable fees or charges, at any time. Your use of the Services after any change or amendment constitutes your agreement to the change and to pay any applicable fees.

Additionally, we may revise or update the Services at any time. We reserve the right to terminate your use of prior versions of the Services, and limit access to more recent revisions and updates. If any expanded Services are made available to you, you agree that any additional or modified Services are also subject to this Agreement, and as it may be amended.

DEPOSIT AND CREDIT AGREEMENTS - The terms and conditions in this Agreement are in addition to any other agreement you have with us, including the State Bank of Countryside Agreement and Rules Brochure and any deposit account agreement relating to your Accounts (“Deposit Agreement”) and credit agreements relating to your State Bank of Countryside credit accounts, including any disclosures made pursuant to such agreements (“Credit Agreement”). If your Deposit Agreement or Credit Agreement does not address online access or use of your account, this Agreement modifies your Deposit Agreement or Credit Agreement to include online access or use of your account.

GENERAL - This Agreement shall be governed by Illinois law and is subject to all applicable State and Federal laws and regulations. Your Accounts with us are also governed by the terms and conditions contained in our Agreement and Rules Brochure, SBC Internet Banking and SBC Billpay Service Fee Schedule, Account disclosures, and other Agreements that pertain to your Accounts. We may enforce any of our rights under the Agreement even if we choose not to exercise any right in a particular circumstance. The invalidity of any provision of this Agreement shall not affect other provisions.

All representations regarding liability and warranties, including but not limited to, the Your Liability and Our Liability sections of this Agreement, shall survive termination of this Agreement.

You may not assign this Agreement to any other party. We may assign or delegate certain of our rights and responsibilities under this Agreement to affiliate entities, independent contractors or other third parties. If more than one person is authorized to use the Services, they are bound jointly and severally under this Agreement and the Bank may act on the instructions or orders of any authorized user.

STATE BANK OF COUNTRYSIDE ONLINE STATEMENT AND
DOCUMENT DELIVERY SERVICE AGREEMENT —
AUTHORIZATION AND CONSENT

THE SERVICE.

By executing this authorization and consent ("Consent Form"), you, other owners, or authorized representatives ("you", "your" or "Owners") of bank accounts designated from time to time in connection with this Consent Form ("Designated Accounts") may receive electronic notice and delivery of selected account statements, account records, agreements, disclosures, and other information for such Designated Accounts ("Electronic Records") from State Bank of Countryside ("State Bank of Countryside") by access through a secure website ("Website"), as described herein ("Online Statement Service"). The Online Statement Service allows receipt of, or access to, an electronic version of paper-based bank account statements for a rolling period 13 months which begins with month one when you enroll and for other Electronic Records for 90 days. This Service permits the flexibility of saving and printing account statements at any given time. You will be notified through email when your statement is ready for viewing. You must validate your email address upon enrollment. For Bank account statements, two attempts will be made to notify you that a statement is available to view. If the email address provided is incorrect and is not corrected by you, you will be automatically unenrolled from receiving your bank account statements online and will begin receiving account statements through the U.S. Mail. You may select one or all of the listed account statements to receive electronically.

USING THIS SERVICE WILL STOP DELIVERY OF PAPER RECORDS; CANCELLED CHECKS; COMBINED STATEMENTS.

By your agreeing to use the Online Statement Service to electronically access, review, download and print selected Electronic Records for your Designated Accounts, State Bank of Countryside may no longer deliver in paper form the information (including copies of cancelled checks) contained in your selected Electronic Records. Any account shown on this Consent Form that does not have an Electronic Record selected for electronic delivery will continue to have its Electronic Records delivered in paper form. If you or any other party on your Designated Accounts previously combined, or hereafter combine statements for multiple accounts in which you, individually or jointly with another person(s), are an Owner, those accounts will be considered as Designated Accounts in connection with this Online Statement Service. After this enrollment, you or any other Owner may elect to add or delete Designated Accounts from a combined statement and this Online Statement Service by visiting a State Bank of Countryside location, and thereafter any use of the Online Statement Service shall constitute acceptance by all Owners of such Designated Accounts of the terms of this Agreement. In this Online Statement Service, any other Owner on any Designated Account may view Electronic Records for all other Designated Accounts. However, for another Owner on a Designated Account to access and view Online Statements, s/he must separately sign up for this Online Statement Service.

SOME TRANSACTION RECORDS MAY CONTINUE TO BE DELIVERED IN PAPER FORM.

Even though you have requested electronic delivery of selected Electronic Records through the Website, State Bank of Countryside at their discretion may deliver in paper form to your last postal service mailing address of record certain Electronic Records for your Designated Accounts.

EMAIL WILL BE YOUR ONLY NOTICE THAT YOUR RECORDS HAVE BEEN POSTED FOR ACCESS AND REVIEW.

The only notice that you will receive advising you that Electronic Records have been posted to the Website will be by email or other electronic message ("Alert Notice") sent to the single, specific email address selected and confirmed by you on the Consent Form ("Designated Email Address"). This Alert Notice will be the only notice you will receive and that no other notice will be sent. Any and all Alert Notices sent by State Bank of Countryside to the Designated Email address will constitute sufficient and effective delivery and notice to you and all Owners of information contained in your Electronic Records whether or not you access or review the Alert Notice, Website or specific Electronic Record, and shall be deemed to have been delivered to you personally, whether actually received or not. You agree to maintain access to the Website in a manner that gives you continuous ability to access, review, download and print your Electronic Records and to receive and access all Alert Notices to you at the Designated Email address.

YOU MAY STOP THE ONLINE STATEMENT SERVICE AT ANY TIME.

You or any Designated Account Owner may revoke consent for the Online Statement Service ("Revocation") for one or more Designated Accounts at any time by unenrolling your accounts through the Online Statement unenrollment or maintenance page located in SBC Internet Banking at State Bank of Countryside's Website at www.statebankofcountryside.com. Electronic posting of your Electronic Records on the Website and transmission of related Alert Notices will continue until:(i) termination of the Online Statement Service, (ii) termination of your Designated Account with State Bank of Countryside, or (iii) termination of your SBC Internet Banking Service with State Bank of Countryside ("Termination"). State Bank of Countryside may terminate the Online Statement Service for any or all Designated Accounts or for any or all Transactions Records at any time. Upon such Termination delivery of paper copies of Electronic Records will resume within a reasonable time. Termination of the Online Statement Service does not affect the validity or legal effect of any Electronic Record delivered to you or any Owners through the Online Statement Service. Termination of the Online Statement Service does not terminate the SBC Internet Banking Service unless otherwise so stated.

REJECTED EMAIL ALERT NOTICES WILL CANCEL THIS SERVICE.

If State Bank of Countryside attempts to send an Alert Notice to the Designated Email Address and receives two (2) consecutive reports from an email service provider or other source that the email is undeliverable, State Bank of Countryside will automatically unenroll you and any other Owners and cancel the Online Statement Service for online delivery of your State Bank of Countryside bank account statements.

YOU MAY RECEIVE A PAPER COPY OF A TRANSACTION RECORD AT ANY TIME.

State Bank of Countryside will send you a paper copy of your Electronic Record previously delivered through the Online Statement Service at your request. The standard fee then in effect and charged for paper delivery of account statements will apply. Paper copies of Electronic Records can be requested if you send a written request to: Personal Banking Department, State Bank of Countryside, 6734 Joliet Road, Countryside, IL 60525 or call us at 708-485-3100. A request for a paper copy does not cause a Termination of the Online Statement Service. A paper copy of Electronic Records can be obtained until the copy is no longer required to be maintained as a record for the Designated Account under applicable law or regulation.

APPROPRIATE COMPUTER EQUIPMENT AND SOFTWARE ARE REQUIRED.

You agree that you have or will have access at all times to personal computer capability that supports at your cost the Online Statement Service's requirement to receive and view Alert Notices and Electronic Records in HTML or PDF form, high-level browser encryption, PDF file access, Internet and email access. If the method of electronic delivery by State Bank of Countryside changes so as to require additional software, upgrades, plug-ins or additional security features in your hardware or software system used by you ("System or Hardware Enhancement"), you may terminate the Online Statement Service or you agree to upgrade your hardware or software system to the required standards, software, applications or other feature(s) made available to you by appropriate hyperlink on the Website or otherwise. You must have access to and maintain a valid email address as the Designated Email Address and a computer with the ability to download PDF files using Adobe Acrobat Reader® or other programs as State Bank of Countryside may advise. If State Bank of Countryside determines that a change to the Online Statement Service concerning any future System or Hardware Enhancement creates a material risk that a consumer may not be able to access or retain a subsequent Electronic Record, State Bank of Countryside will notify such consumer of such change and allow such consumer to withdraw his or her consent for this Online Statement Service, whereupon State Bank of Countryside may terminate this Service until such consumer again enrolls in this Service and delivers a new consent to participate in this Service by accepting online State Bank of Countryside's Consent Form then posted on its Website.

State Bank of Countryside’s current hardware and software requirements can be found by clicking the link below:

LINK TO HARDWARE REQUIREMENTS

You will need to change your pop up blocker to trust or allow pop ups from https:\\iiprd.metavante.org.

YOU MAY INCUR ADDITIONAL COSTS FOR USING THE SERVICE.

You understand that your accessing Electronic Records through the Website and receiving Alert Notices may incur certain costs associated with email, electronic access, downloading, online time and subscription costs associated with Internet and telecommunications service providers, paper and printing costs, and equipment or software upgrades if necessary. You agree that you will pay all such costs and expenses in connection with your use of the Online Statement Service.

INTERNET SERVICES AND EMAIL MAY BE SUBJECT TO CERTAIN RISKS AND DISRUPTION.

Certain risks are associated with the transmission of confidential Electronic Records and Alert Notices through the Internet including but not limited to unauthorized access, systems outages, delays, disruptions in telecommunications services and the Internet. Email is not private or secure. The Alert Notice sent to you by email is an unencrypted, automatic alert. Although such Alert Notice is not intended to contain personally identifiable confidential financial information, it may contain in its design part or all of your name or other identifier, which could be seen or intercepted by others if delivered to your business address or other computers or electronic devices not exclusively under your control. You will not respond to the Alert Notice by return email, or use it to request information, service, paper copies or other items or to revoke consent. State Bank of Countryside will not be responsible to act upon requests made in that manner.

YOU MUST MAINTAIN A DESIGNATED EMAIL ADDRESS, INTERNET ACCESS AND REVIEW ALL TRANSACTION RECORDS.

You or any other Owner of a Designated Account must immediately advise State Bank of Countryside of all changes or updates to the Designated Email Address or if it becomes inoperative or inactive and to immediately identify another Designated Email address to be used for the Online Statement Service. Updating your e-mail address must be done through SBC Internet Banking. You may change your e-mail address by clicking on the Customer Service Tab and selecting “Change E-Mail Address”. It is each Owners sole responsibility, whether the content of such Alert Notice is delivered by mail, electronic mail or other electronic means, to access and review promptly their own Electronic Records for their own Designated Account and other accounts hereafter added to a combined statement and this Online Statement Service. All terms in the Electronic Records for the Designated Accounts are binding on each Owner of the Designated Account just as if they were delivered in paper form. The Electronic Records are delivered in a manner to allow you immediate access to download and print the Electronic Records on your personal computer.

THIS AGREEMENT AMENDS AND IS IN ADDITION TO ALL OTHER AGREEMENTS.

The terms and conditions and authorization and consent in this Consent Form constitute an agreement ("Agreement") by you to use the Online Statement Service as described herein and may be modified or amended by State Bank of Countryside upon written notice sent to you or by posting to the Website and sending you an Alert Notice or similar written notice thereof. Your continued use of the Online Statement Service after such notification of change shall be understood as your agreement to be bound by all such changes. This Agreement is in addition to and part of the terms and conditions of the other agreement(s) governing your use of the State Bank of Countryside Website, and your accounts and relationship with State Bank of Countryside and constitute an amendment of those agreements specifically where sections relate to delivery of selected Electronic Records for Designated Accounts.

MISCELLANEOUS.

This Agreement shall be governed by and construed in accordance with federal laws and the laws of the State of Illinois, without regard to that state's conflict of law principles. The invalidity or unenforceability of any provision of this Agreement shall not affect the validity or enforceability of any other provision of this Agreement, which shall remain in full force and effect. This Agreement embodies the entire understanding and agreement between you and State Bank of Countryside with respect to the Online Statement Service and supersedes any prior understandings and agreements relating thereto.

The purpose of this Disclosure Statement is to make you aware of your rights and responsibilities when using our Electronic Funds Transfer Services.

Services Offered
If you specifically authorize us to electronically accept deposits or honor withdrawals, we will provide such services:

Consumer Liability
If you fail to report within sixty (60) days of the transmittal of your statement any unauthorized transfers that appear on the statement, your liability will not exceed the amount of unauthorized transfers that occur after the sixty (60) days and before you notify us, if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason, such as a long trip or hospital stay, kept you from telling us, we will extend the time periods.

How To Notify Us
If you believe that someone has transferred or may transfer money from your account without your permission, or if you believe your SBC Internet Banking code may be lost or stolen, call:

(708) 485-3100
or write:
State Bank of Countryside
6734 Joliet Road
Countryside, IL 60525
Attention: Deposit Operations Manager

Business Days
"Business day" is any day on which the offices of the consumer's financial institution are open to the public to carry on substantially all business functions. Our business days are Monday through Friday. Holidays are not included.

Types of Automatic Transfers

(For rules pertaining to Point of Sale and/or Automated Teller Machine transactions, please see the separate STAR® Disclosure Statement. For rules pertaining to internet banking transactions, please refer to your SBC Internet Banking User Terms and Conditions).

Under certain circumstances your check information can be converted to electronic information by merchants, banks or others. Electronic information may be used to debit your account electronically. Merchants may use check information such as routing, account and serial numbers to make an electronic presentment against your account and the check may not be returned to you. These types of transactions may occur at point-of-sale purchases or where checks are submitted to a lock box for processing.

In other circumstances, checks you wrote returned for insufficient funds or uncollected funds and represented for payment electronically by the payee's bank are not covered under Regulation E. Electronic representments will appear as separate entries on your statement with appropriate descriptions. If any of your checks are converted to an electronic presentment by others, we shall have no liability to you should we fail to honor any stop payment order you have placed on the check.

Also, we shall have no liability to you for duplicate payments if a paper check and an electronic representment are both presented. This limitation of our liability to you in no way affects your legal right to dispute an electronically presented item under applicable rules and regulations, nor does it affect your legal rights to recover a duplicate payment from the third party payee.

Charge for Transfers

Documentation of Transfers

Stop Payments and Notice of Varying Amounts

Liability for Failure to Stop Payment
If you order us to stop one of these payments three business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

Account Information Disclosure
We will disclose information to third parties about your account or the transfers you make:

Liability for Failure to Make Transfers
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance:

There may be other exceptions stated in our agreement with you.

Change in Terms
We may change the terms of this agreement governing electronic fund transfers by giving you written notice of the change at least 21 days prior to the effective date of the change. However, if the change is made for security purposes, we can make a change without giving you prior notice.

Error - Resolution Notice
In Case of Errors or Questions About Your Electronic Transfers
Telephone or write us immediately, at the phone number or address shown elsewhere in this disclosure, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

If you tell us orally, we require